I-CPI Idlula Okulindelwe: Amaqiniso Amabili, Iqiniso Lilodwa
09/27/2022
Ukwehla kwamandla emali kuyakhuphuka kodwa akwehli neze
NgoLwesibili olwedlule, uMnyango Wezabasebenzi ukhiphe imininingwane ekhombisa ukuthi i-CPI inyuke ngo-8.3% ngo-Agasti isuka ngonyaka owedlule, kanti obekulindeleke bekungama-8.1%.
Lokhu ukukhishwa kokugcina kwedatha yokwehla kwamandla emali ngaphambi kokwenyuka kwezinga okuhleliwe kwale nyanga, okungangabazeki okudale inzalo enkulu ezimakethe zomhlaba ngeledlule, lapho i-Wall Street ihlaselwa “i-Black Tuesday” ephindwe kabili ezitokisini namabhondi.
Uma kuqhathaniswa nezinga lokwehla kwamandla emali elingu-8.5% ngoJulayi, i-CPI ngo-Agasti ingamaphesenti angu-0.2 kuphela ngaphezu kwalokho okulindelwe yimakethe okulokhu kwehle izinyanga ezimbili zilandelana.Abantu abaningi bangase babe nokungabaza ukuthi kungani izimakethe zezimali zisathukile.
Uyazi, usuku lokukhishwa kwedatha ukwehla okukhulu kakhulu eminyakeni emibili, ukuvunwa kwebhondi yase-US kwenyukile, ukuvunwa kwebhondi yase-US yeminyaka emibili kwaze kwafika eminyakeni eyishumi nanhlanu ephezulu.
Ingabe lokhu kuntengantenga kwezimakethe okumangalisayo kungenxa yomehluko olindelekile “ongabalulekile” we-0.2%?
Ithemba elilinganiselwe ekubikezelweni kwangaphambili kwemakethe kwakubangelwa ukwehla okubukhali kwamanani entengo yamandla ngo-August, ikakhulukazi amanani kaphethiloli, okubuye kubonakale kudatha yakamuva yokwehla kwamandla emali.
Kodwa-ke, le datha iphinde ikhombise ukuthi ukushaqeka kokuhlinzekwa okubangelwe yilolu bhubhane sekuphenduke ukwehla kwamandla emali okugcwele ngokuphelele futhi akuzange kwehle njengoba imakethe ibilindelekile.
Igebe elibonakala lincane lokulindela lamaphuzu angu-0.2 lingase lifihle isimo esibucayi kakhulu kunalokho okushiwo izibalo.
Izinga lokukhuphuka okulindelwe liba phezulu futhi
Eqinisweni, amanani kagesi cishe yizona kuphela izindaba ezinhle kulo mbiko wokwehla kwamandla emali.
Ngaphandle kwalokho, amanani ayakhuphuka cishe kuzo zonke izigaba ezinkulu, okuhlanganisa ukudla, imali yokuqasha, izingubo zokugqoka, ifenisha, izimoto, ukunakekelwa kwezempilo nokunye.
Futhi njengoba sonke sazi, amanani kagesi belokhu aziwa ngokushintshashintsha kwawo okuphezulu, futhi asikho isiqinisekiso sokuthi amanani kawoyela, awehla ngo-Agasti, ngeke aphinde anyuke ezinyangeni ezizayo.
Uma ubhekisisa ukuthuthukiswa kwale datha ye-inflation "ekwindla" egcwele kudatha eyingxenye, akufanele kube nzima ukuqonda ukuthi kungani imakethe ibheja ngokuzumayo ngokunyuka kwamaphuzu ayi-100.
Khumbula, i-Fed inyuse amanani ngenani eliphelele lamaphoyinti angu-225 kusukela ngoMashi, kodwa ukunyuka kwamanani kubonakala kungabonisi zimpawu zokwehla.
Njengamanje, ithuluzi le-CME Group FedWatch libonisa ukuthi amathuba okuthi anyukele ku-75 basis point Fed rate ngoSepthemba anyuke afinyelela ku-77% futhi amathuba okukhuphuka kwamaphuzu ayi-100 aku-23%.
Umthombo wesithombe: https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html
Imakethe iqala ukuqonda ukuthi inqubomgomo yokuqinisa ye-Fed ngeke ishintshe, okungenani kuze kube sekupheleni konyaka, ngoba ukulingana kwe-US kuzohlale kubhekene nomkhuba wezombangazwe wokucindezelwa.
Indlela yokukhuphuka yokulinganisa elandelayo.
Ukwenyuka kwezinga le-Fed's 75 basis point rate emhlanganweni wangoSepthemba 21 kwakuqinisekile ukuthi kuzokwenzeka.
Njengoba ukwehla kwamandla emali okuphakeme okusekelwe idatha eqinile yezomnotho, izikhulu zeFederal Reserve ziye zathatha isinyathelo sokulwa nokwehla kwamandla emali futhi zivimbele ukuthi zingaphinde zikhuphuke.
Imakethe manje ngokuvamile ilindele ukuthi izinga lezimali likahulumeni likhuphuke libe ngaphezu kuka-4% ukuya ku-4.25% ekupheleni konyaka, okusho ukuthi inani eliphelele lamaphoyinti angu-150 okunyusa amanani emihlanganweni emithathu esele kulo nyaka.
Lokhu kubiza ukukhuphuka kwamaphuzu angama-75 ngoSepthemba, bese kuba amaphuzu okungenani angama-50 ngoNovemba, futhi okungenani kube ngamaphoyinti angama-25 ngoDisemba.
Uma izinga lenqubomgomo lingaphezu kuka-4%, lizobanjwa kulolo “banga elikhawulelwe” isikhathi eside, njengoba uPowell eshilo ngaphambili.
Ngamanye amazwi, amanani emali mboleko azohlala ephezulu isikhathi eside!Labo abadinga i-mortgage kufanele babambe leli thuba ngaphambi kokuthi kukhuphuke amanani.
Isitatimende: Lesi sihloko sihlelwe ngabakwa-AAA LENDINGS;ezinye zezithombe zithathwe ku-inthanethi, indawo yesayithi ayimelwe futhi ngeke iphinde iphrintwe ngaphandle kwemvume.Kukhona ubungozi emakethe futhi ukutshalwa kwezimali kufanele kuqaphe.Lesi sihloko asihlanganisi iseluleko somuntu siqu sokutshala izimali, futhi asicabangi izinjongo ezithile zokutshala izimali, isimo sezezimali noma izidingo zabasebenzisi ngabanye.Abasebenzisi kufanele bacabangele ukuthi noma imiphi imibono, imibono noma iziphetho eziqukethwe lapha zifanele isimo sabo esithile.Tshala imali ngokufanele ngokuzifaka engozini.
Isikhathi sokuthumela: Sep-27-2022